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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:Health Insurance for F-2 spouse I am a graduate student in a California based University and my health insurance is covered and paid by the school. I will be bringing my spouse to the US and I am looking for some affordable health insurance options for her. The school offers a supplemental health insurance plan through Blue Cross that proves to be expensive (almost $200 a month). Is it a good idea to be buying visitors insurance that is renewable? It will take me 2 more years to graduate. My friends told me about the Partriot America plan and the IMG plan. But I would like to hear from you about other options that are affordable. Thanks. Murali

A:
Yes, you can buy Patriot America. That is a good plan. You can buy it online at /patriot-america-lite-insurance/ If you have any further questions, please feel free to post them here or contact us at any time.
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Q:Canadian citizen needs US insurance for newborn I am a Canadian citizen and I am looking for a US insurance plan that would cover the newborn care of my soon-to-be baby. I will likely be in the US during the delivery, and I need a plan that will cover the delivery and the medical care of the child until I return to Canada (about one month post-delivery). Is there some type of family coverage plan that can be purchased by me, a Canadian citizen, that would cover me and my child in the US? Thanks in advance!

A:
Unfortunately, there is no such plan available.
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Q:Would Like Maternity Option Do you have any recommendations for private insurance plans which include maternity coverage? We are temporarily living in Hawaii until we move to Asia in December for missions. We are comfortable with getting temporary insurance now of commiting to insurance for missionaries, but we are having trouble finding either option with maternity included. We have no intentions to get pregnant but we want to cover our bases. What options do we have?

A:
Unfortunately, we don't have any short term plans that would cover maternity.
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Q:Plan that allows hospital to charge insurance directly. Hi. My mother (64 years) will be visiting us for 2 months in California. I plan to get comprehensive coverage for her. The question I have is, if she does require treatment how do I make sure that the plan allows the hospital to charge the insurance company directly (after I have paid the deductibles)? I dont want to deal with the process of submitting claims. Thanks a lot.

A:
Please look at Protection America plan at /patriot-america-lite-insurance/ Protection America participates in First Health PPO network. It is a very large network across the country. Please read /international-medical-ppo-network/ to understand how exactly the procedure for using it will work. You can also read /patriot-america-lite/health-insurance/ to understand how the plan works in general. If you have any other questions, please feel free to post them here or contact us at any time.
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Q:Which is better one - WorldMed by AIG Vs Patriot America by IMG? Hi, My father is visiting me for 1 month. Dates September 3 2008 to October 2 2008. He is 68 years old. I want to take maximum insurance ($1,000,000) possible during his stay. I compared WorldMed by AIG and Patriot America by IMG. Any suggestions on which one is better? Which has better coverage First Health PPO by Patriot America or Multiplan PPO by WorldMed? Any help would be highly appreciated!!! Thanks, Sarosh

A:
Both are excellent plans. You can choose either one. Both First Health and MultiPlan are excellent PPO networks. e.g., even if there are 500 doctors in your area in one plan and 600 in other one, it does not make any practical difference when you need to use the insurance. Many Thanks for the quick response! Appreciate it!
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Q:Visit USA insurance Visit USA insurance meets all the requirements of J1/J2 visa medical insurance. Visit USA insurance is underwritten by AIG. You can get instant quotes and make instant purchase online at <a href='/visit-usa-insurance/'>/visit-usa-insurance/</a>

A:
To further understand how Visit USA plan works, please visit /visit-usa-healthcare/visitors-medical-insurance/
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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